Apply For a Mortgage
Author Ross Taylor
I started the Ask Ross blog in 2009 to share my financial knowledge with Canadians across the country. I am a firm believer in reliable and accessible information and I understand just how confusing financial, mortgage, and credit matters can be. Today, our blog and monthly newsletters are read by thousands of Canadians.
Get answers to your questions no matter how difficult – 7 days a week.
Jump to a specific category of articles↓↓
- Featured Articles
- First Time Home Buyer Articles
- Private Mortgages: When the door to the bank is closed.
- Reverse Mortgage Articles
- Credit Repair & Consumer Proposal Articles
- All of Our Articles on Canadian Mortgage Trends
- GTA News Articles
- Bank of Canada Update Articles
- All of Our Articles
Featured Articles
Explore our featured articles highlighting essential mortgage insights, trending topics, and strategic financial advice.
Can I Use Cryptocurrency as a Down Payment for a House in Canada?
Want to use your Bitcoin or Ethereum to buy a home in Canada? This guide breaks it all down, step-by-step. You’ll need to convert it to CAD, have it in ...
BoC Outlook: Mortgage & Renewal Rates Forecast 2026 Canada
The Bank of Canada may be done cutting rates, but millions of Canadians will still feel the shock of higher mortgage payments in 2026. Get expert insights on renewal and ...
Can I Use Cryptocurrency To Buy A House In Canada?
Buying a house with cryptocurrency in Canada is possible, but only if you follow the right steps. This guide explains how to convert Bitcoin or Ethereum into mortgage-ready funds, what ...
@RossTaylorMoney Twitter
Check out Ross on Twitter for his personal insights on the latest financial, mortgage, and credit matters across the country.
First Time Home Buyers
Explore our first-time home buyer articles to learn how to navigate the stress test, compare rates, and make the most of government incentives with clarity and confidence.
Should You Buy a Toronto Condo Now or Wait Until 2026
Toronto's condo market is down nearly 20%, but is that a warning or a window of opportunity? This guide explores prices, risks, rent trends, and expert strategies to help first-time ...
What Are First-Time Homebuyer Mortgage Questions Every Canadian S...
This guide breaks down everything first-time buyers should know, including credit scores, amortization, and expert tips to secure the best mortgage strategy for your situation ...
What Are All The Closing Costs When Buying a Home in Canada?
Closing costs in Canada can add thousands to your home purchase. This guide walks you through every fee, from land transfer taxes to legal and hidden charges. Learn what to ...
Why Are So Many Canadian Homes Selling Below Asking Price This Su...
Homes in Toronto are selling for tens of thousands under asking this summer, marking a major market reset. Economic uncertainty and rising listings are giving buyers the edge. Find out ...
Private Mortgages: When the door to the bank is closed.
Browse our private mortgage articles for clear guidance on alternative lending, approval challenges, and the strategies our team uses to help Canadians when the banks say no.
Why Are More Canadians Turning to Private Mortgages
When the door to the bank has been closed, private mortgages in Canada offer a lifeline. This guide explains how they work, who they help, and what it takes to ...
Can I Get a Mortgage After a Consumer Proposal in Canada?
Discover how to qualify for a mortgage in Canada after completing or during a consumer proposal ...
8 Key Things to Know Before Getting a Private Mortgage in Canada
Private mortgages can be a lifeline—but only if you know what you're getting into. This article shares 8 essential tips for Canadians considering a private mortgage, including red flags, lender ...
How Can You Avoid Falling for the Wrong Private Mortgage Deal?
Want higher returns with private mortgage lending? Discover how savvy investors are funding private mortgage deals in Canada for big gains. Learn the pros, cons, and insider tips to secure ...
Reverse Mortgages
Explore our reverse mortgage articles to learn how these products help Canadian retirees access their home equity with clarity, flexibility, and confidence.
What Is the Bloom Safe Rate Reverse Mortgage in Canada?
Bloom Safe Rate Reverse Mortgage changes the game for Canadian retirees. With a fixed interest rate for life, no penalties for moving, and flexible repayment terms, it provides stability and ...
Are Reverse Mortgages a Good Idea in Canada?
Reverse mortgages help Canadians 55+ stay in their homes, fund retirement, and plan legacies, tax-free and with no monthly payments, while retaining full ownership of their homes ...
Should We Be Worried About Our Parents Getting a Reverse Mortgage...
Many adult children fear that a reverse mortgage will jeopardize their inheritance or their parents’ home. This guide breaks down the facts, dispels myths, and explores how today’s Canadian reverse ...
Reverse Mortgages (55 yrs+)
Credit Repair & Consumer Proposal
Explore our articles on credit repair and consumer proposals to understand how recovery works in Canada and how our team helps you rebuild, regain momentum, and move toward your financial goals.
Why Are More Canadians Turning to Private Mortgages
When the door to the bank has been closed, private mortgages in Canada offer a lifeline. This guide explains how they work, who they help, and what it takes to ...
Can You Get A Mortgage After A Consumer Proposal? Yes—Here’s How
Wondering if homeownership is possible after a consumer proposal? Discover how one reader cleared debt, rebuilt credit, and leveraged a vendor take-back mortgage to buy land and a home—plus expert ...
Can I Get a Mortgage After a Consumer Proposal in Canada?
Discover how to qualify for a mortgage in Canada after completing or during a consumer proposal ...
8 Key Things to Know Before Getting a Private Mortgage in Canada
Private mortgages can be a lifeline—but only if you know what you're getting into. This article shares 8 essential tips for Canadians considering a private mortgage, including red flags, lender ...
Canadian Mortgage Trends
Ross is a frequent author on Canadian Mortgage Trends, where he offers personal insights and deep dives into the mortgage industry. Read his latest articles below.
GTA News
Get the latest updates and analysis on the Greater Toronto Area’s real estate market, including key trends and developments affecting homebuyers and investors.
Can I Use Cryptocurrency as a Down Payment for a House in Canada?
Want to use your Bitcoin or Ethereum to buy a home in Canada? This guide breaks it all down, step-by-step. You’ll need to convert it to CAD, have it in ...
BoC Outlook: Mortgage & Renewal Rates Forecast 2026 Canada
The Bank of Canada may be done cutting rates, but millions of Canadians will still feel the shock of higher mortgage payments in 2026. Get expert insights on renewal and ...
Can I Use Cryptocurrency To Buy A House In Canada?
Buying a house with cryptocurrency in Canada is possible, but only if you follow the right steps. This guide explains how to convert Bitcoin or Ethereum into mortgage-ready funds, what ...
What Is the Bloom Safe Rate Reverse Mortgage in Canada?
Bloom Safe Rate Reverse Mortgage changes the game for Canadian retirees. With a fixed interest rate for life, no penalties for moving, and flexible repayment terms, it provides stability and ...
Bank of Canada Updates
Get updates on the latest rate announcements and clear guidance on what each change means for your mortgage, your budget, and your homebuying goals.
Looking for something else?
Dive into our comprehensive archive of articles covering a wide range of topics from mortgages and credit to personal finance and market trends, all designed to educate and inform Canadians.
Should You Buy a Toronto Condo Now or Wait Until 2026
Toronto's condo market is down nearly 20%, but is that a warning or a window of opportunity? This guide explores prices, risks, rent trends, ...
What Are First-Time Homebuyer Mortgage Questions Every Canadian S...
This guide breaks down everything first-time buyers should know, including credit scores, amortization, and expert tips to secure the best mortgage strategy for your ...
What Are All The Closing Costs When Buying a Home in Canada?
Closing costs in Canada can add thousands to your home purchase. This guide walks you through every fee, from land transfer taxes to legal ...
Why Are So Many Canadian Homes Selling Below Asking Price This Su...
Homes in Toronto are selling for tens of thousands under asking this summer, marking a major market reset. Economic uncertainty and rising listings are ...
Canada Housing Market 2025: City-by-City Summer Update
Summer 2025 brings major real estate shifts. From Vancouver’s buyer’s market to Montreal’s seller surge, find out where your city stands now ...
Toronto Housing Market 2025: Should You Buy Now?
Toronto’s housing market is shifting in 2025. With prices softening, listings up, and mortgage rates steady, buyers have more power than ever—if they’re ready ...
Toronto Condos: Smart Living or “Dog Crates”?
The term “dog crate condo” may sound catchy, but it unfairly mocks small Toronto units and their residents. This article explores how policy, market ...
What Mark Carney’s Win Means for the Canadian Housing Market...
With the Liberals securing a minority in 2025, housing reform is top of mind. Promises include GST relief for first-time buyers, massive homebuilding targets, ...
What Are the Best Mortgage Strategies for Spring 2025?
Don’t miss out on what’s happening in Canada’s real estate and mortgage markets this spring. We break down all the key trends, policy changes, ...
How Does Having a Co-signer Affect My Eligibility For First-Time ...
Thinking about using a co-signer for your first home purchase? While it can help you secure a mortgage, it might affect your access to ...
Paying More Than You Should? 5 Things You Need To Know About Big ...
Paying more than you should for your mortgage? Discover 5 things you need to know about big bank mortgages in Canada—uncover hidden costs, explore ...
7 Risks & Essential Tips For Co-Signing A Loan For Someone With ...
P3: What You Need To Know About Cosigning a Mortgage In Part 2 of our “What You Need To Know About Cosigning a Mortgage” ...
What Are The 7 Essential Steps To Take When Co-Signing A Mortgage...
Thinking of co-signing a mortgage for a family member? It’s a generous act but comes with risks. In Part 2 of our series, we ...
What Are The Tax Implications of Co-signing a Mortgage in Canada?
P1: What You Need To Know About Cosigning a Mortgage In this four-part series on “What You Need To Know: Cosigning a Mortgage,” we’ll ...
Big Changes Coming To Canada’s Mortgage Rules: 8 Things You Need ...
Learn about the major changes to Canada’s mortgage rules on December 15th, 2024. Including higher loan caps and 30-year amortizations, this article answers 8 ...
10 Q&A: How Will USA Rate Cuts Affect Canadians?
U.S. Fed rate cut could lead to lower Canadian mortgage rates, giving homeowners a valuable opportunity to reduce their loan costs and save ...